Student Athlete Liability Insurance

Specialty insurance solutions tailored to your unique needs.
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Protect your future and stay in the game with Student Athlete Liability Insurance from XINSURANCE.

Student Athlete Liability Insurance ensures that nothing stands in the way of your athletic career. With our comprehensive coverage solutions, you can focus on giving your all on the field, knowing that you can be protected from liability issues. Don’t let accidents or lawsuits jeopardize your future – stay in the game with XINSURANCE.

The Importance of Student Athlete Liability Insurance

With the adoption of NIL (name, image, and likeness) in the NCAA, student athletes are becoming a target for lawsuits. This NIL policy means that athletes can earn compensation based on their likeness. Essentially, student athletes can become more even celebrity-like and can now get paid a lot of money for it. Celebrities and other high-net-worth individuals are more likely to end up in a lawsuit, and thus they carry specialty liability insurance to protect their assets. XINSURANCE provides student athlete liability insurance to help protect these young adults from financial or reputational loss.

With XINSURANCE, you can have an all-in-one policy that provides customized coverages built into one policy! We can offer liability protection for emerging risks and fill the gaps to cover exclusions in your existing insurance policy. Whatever you need, we can help to find the best insurance solution for you!

Who We Can Help

  • High School Athletes
  • College Athletes
  • Athletes under an NIL policy
  • And More!
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Insurance Coverage Options for Student Athletes

School Discipline

School discipline coverage can include retaliation against complaints, acts and allegations of sexual abuse, harassment, assault, and exploitation, pregnancy, miscarriage, childbirth, acts and allegations of hazing, return-to-play protocols, self-defense, acts of discrimination, and more. Full list is mentioned below.

Pursuit of Civil Damages relating to School Discipline

This coverage is designed to protect the insured student athlete from financial losses resulting from legal action, such as lawsuits, brought against them in relation to disciplinary measures taken by their school.

Income Interruption resulting from School Discipline

Coverage that provides financial protection to student athletes in case they suffer a loss of income due to disciplinary measures taken by their school.

Civil Liability Self Defense

Provides protection and financial assistance, up to policy limits, in the event that a student athlete is involved in a self-defense situation that results in civil liability claims or lawsuits.

Criminal Self Defense

Provides protection and financial assistance, up to policy limits, provided to student athletes who may face criminal charges as a result of using self-defense.

Social Media Liability

Coverage for student athletes in case they face legal claims or actions arising from their use of social media platforms.

Liability for Sporting Injuries

Coverage for student athletes and their organizations in the event that they are held liable for injuries or damages caused to others during sporting activities.

Firearms Liability*

Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.

*Available in most states

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Learn More About Our Student Athlete Liability Insurance Solutions

What is NIL?

NIL stands for name, image, and likeness. It is a new policy that the NCAA adopted and allows athletes to earn compensation for their likeness.

Quoted from the NCAA, the policy provides the following guidance to college athletes, recruits, their families and member schools:

  • Individuals can engage in NIL activities that are consistent with the law of the state where the school is located. Colleges and universities may be a resource for state law questions.
  • College athletes who attend a school in a state without an NIL law can engage in this type of activity without violating NCAA rules related to name, image, and likeness.
  • Individuals can use a professional services provider for NIL activities.
  • Student athletes should report NIL activities consistent with state law or school and conference requirements to their school.

At the high school level, not every state has adopted this NIL policy. According to Opendorse, the states that have approved NIL activities include Alaska, California, Colorado, Connecticut, Idaho, Iowa, Kansas, Louisiana, Maine, Massachusetts, Minnesota, Nebraska, New Jersey, New York, North Dakota, and Utah.

What is Student Athlete Liability Insurance?

Student athlete liability insurance from XINSURANCE provides customized coverage solutions that give student athletes, and their families, peace of mind. It is a personal liability and TRU Umbrella policy that is tailored to your specific needs.

What Insurance Coverage is Available with Student Athlete Insurance?

XINSURANCE provides a variety of coverage solutions under student athlete insurance:

  • School Discipline
    • Retaliation Against Complaints
    • Acts and Allegations of Sexual Abuse, Harassment, Assault, Exploitation
    • Pregnancy, Miscarriage, Childbirth
    • Acts and Allegations of Hazing
    • Constitutional Rights of Student Athletes
    • Concussion Management & Return-To-Play Protocols
    • Self-Defense
    • Injury to Others During Athletic or Sporting Events
    • Social Media
    • Acts of Discrimination Based on Race, Religion, Age, Gender, Sexual Preference, National Origin, Physical Handicap – Title IX Issues
  • Pursuit of Civil Damages relating to School Discipline
  • Income Interruption resulting from School Discipline
  • Civil Liability Self Defense
  • Criminal Self Defense
    • Bail Bonds
  • Social Media Liability
  • Liability for Sporting Injuries
  • And More

Along with the above coverages offered, we can provide a plan to cover your WORK, HOME, and PLAY areas of exposure. Our TRU Umbrella coverage solution provides excess coverage for other scheduled primary insurance including auto, home, ATVs, boats, pets, etc. Some coverages may require an additional quote and/or premium.

Scenarios That May Be Covered Under Student Athlete Liability Insurance

All the coverages should be designed for 3rd parties, with the exception of the coverage for hazing.

  • Self-defense insurance
  • Social media issues and school authority to sanction student athletes – We want to be able to defend student athletes who are faced with sanctions over social media postings that the school deems inappropriate or against the athletic code of conduct.
  • Alleged sexual harassment, sexual abuse, or molestation
  • Retaliation against complainants – If a student/coach/parent voices concern over an alleged Title IX issue, this would protect the person from retaliation for bringing that concern to the attention of the school. An example would be if an athlete was kicked off the team after voicing a concern.
  • Title IX and gender equity – Title IX of the Education Amendments Act of 1972 is a federal law that states: “No person in the United States shall, on the basis of sex, be excluded from participation in, be denied the benefits of, or be subjected to discrimination under any education program or activity receiving Federal financial assistance.” Sexual harassment is covered under Title IX, as is sex-based discrimination in STEM courses. Another example is discrimination based on pregnancy.
  • Transgender policies – Inclusion of transgender athletes in school sports, including that student’s right to privacy, safety, and dignity. This would also be a violation of Title IX if a transgender student were not allowed to participate in a sport.
  • Pregnancy – An example would be that student athletes can’t be penalized because of pregnancy, termination of pregnancy, childbirth, or related conditions. These students must be afforded the same treatment as any other student with a temporary disability.
  • Hazing – To help if the person is being hazed.
  • Constitutional rights of student athletes – A student athlete suspended for inappropriate criticism of a coach, or a suspension for attendance at a party where alcohol is served, suspension for failing a drug test, suspension for misbehavior, and a suspension alleged to be more severe than that given to other students for the same offense are some examples that can violate constitutional rights.
  • Liability for sports injuries
  • Concussion management & return to play protocols – All 50 states and the District of Columbia now have a sports concussion law in place. Most of the state laws contain three common tenets: 1) any athlete suspected of having sustained a concussion must immediately be removed from play; 2) the athlete may not be returned to action the same day; and 3) the athlete may be returned to action only after written clearance is provided by a licensed health-care professional (the definition of which varies widely from state-to-state).
  • Income Interruption

Limits of Insurance

You can select your desired limits of insurance:

$50,000 per occurrence / $100,000 aggregate
$75,000 per occurrence / $200,000 aggregate
$100,000 per occurrence / $300,000 aggregate
$250,000 per occurrence / $500,000 aggregate
$500,000 per occurrence / $1,000,000 aggregate

Self-Insured Retention (SIR):


Can I Be Insured if I've Been Dropped or Rejected by an Insurance Company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service